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Is Your Retail Business Set for Single's Day?

Sunday, November 11, 2018

by Mike Pullen

Mike Pullen gives us the lowdown on Singles’ Day and explains how you can prepare to take on fraudsters drawn by the chance of a big sales pay day.

VCR: Getting Your Head Around the Workflow Split

Thursday, October 25, 2018

Mike Pullen asks why VCR has split disputes into two distinct workflows and what this means for merchants.

VCR: Dispute Timeframes and the Need for Speed

Thursday, October 25, 2018

Mike Pullen explains what merchants need to know about VCR’s shorter dispute timeframes.

VCR: Chargeback Codes Have Changed - What Does this Mean for You?

Thursday, October 25, 2018

Mike Pullen explains what VCR’s changes to chargeback codes mean for merchants.

How Does Friendly Fraud Impact False Declines?

Friday, September 14, 2018

by Steve Durney

In his latest blog post, Steve Durney explains how friendly fraud impacts false declines.

VCR: Dealing with the Demise of ‘Transaction Not Recognized’

Tuesday, September 11, 2018

by Mike Pullen

In his latest blog, Mike Pullen asks what the retirement of Visa Reason Code 75 (Transaction Not Recognized) means for merchants.

They’re Not Chargebacks Anymore: Understanding VCR’s New Terminology

Tuesday, September 4, 2018

by Mike Pullen

Mike Pullen outlines the major terminology changes brought on by Visa Claims Resolution and explains what it means for your business.

What is Visa Claims Resolution? 5 Things You Need to Know

Wednesday, August 29, 2018

by Mike Pullen

Visa Claims Resolution (VCR) went into effect in April 2018. Ethoca Dispute Specialist, Mike Pullen, gives us the lowdown on what changed and explains how its impacted the chargeback process.

Friendly Fraud Hurts Merchants, Issuers and Cardholders: Here’s How

Wednesday, August 1, 2018

by Steve Durney

as seen on for Friendly Fraud Month

It may sound harmless, but “friendly fraud” (also known as false claims) is taking a serious toll on merchants’ and issuers’ bottom lines — and it’s hurting consumers, too.

Friendly fraud happens when cardholders report a card purchase as unauthorized even though they or another person in their household indeed made it. 

Are Cardholders Being Taught to Engage in Friendly Fraud?

Tuesday, July 17, 2018

by Steve Durney

As seen on for Friendly Fraud month

Much of today’s friendly fraud is benign — meaning cardholders dispute purchases that show up on their card statements because they don’t recognize them. How the merchant’s name is listed on the statement may be confusing, or another household member could have made the purchase, unbeknown to the cardholder. Other cases are not so innocent: Unfortunately, incidents of hostile friendly fraud — where cardholders use various means to actively ‘game’ the system for their own benefit — are also on the rise.